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全新的互联网金融模式国际资讯

加密货币交易所Coinbase或将申请银行牌照

全新的互联网金融模式国际资讯

加密货币交易所Coinbase或将申请银行牌照

据《华尔街日报》报道,2018年年初,加密货币行业中规模最大的公司之一的Coinbase与美国货币监理署(OCC)的监管机构进行了会面,讨论申请国家银行章程事宜。Coinbase没有立即回复置评请求。

假如Coinbase获得了银行牌照,就能扩大可以为客户提供的服务的范围,就不需要找愿意与它合作的银行了。

取得银行牌照也将有助于Coinbase吸引大型机构在其平台上进行交易。Coinbase已开始为机构投资者推出多种产品,包括加密资产托管,但实际上,很多机构更愿意与持有传统银行牌照的托管机构合作。

报道还指出,加密货币金融服务初创公司ivyKoin在最近几周也与联邦存款保险公司(FDIC)的人员进行了面谈。

然而,申请银行牌照会让这些公司受到一系列新的监管,或许牌照带来的好处和新监管会带来的影响正好抵消。

美国通货检查局局长约瑟夫·奥丁(Joseph Otting)上个月在一次行业会议上表示:

大多数Fintech公司来找我们是因为他们听说过一种叫做”国家银行章程”的文件,这让他们能跨越州的界限。

根据CCN的报道,据说Coinbase已经就成为注册经纪交易商向SEC提出了请求。Coinbase也是仅有的五家获得纽约BitLicense认证的公司之一,这五家公司被要求在高度监管的状态下进行加密货币交易。

Cryptocurrency brokerage firm Coinbase has met with US regulators to discuss applying for a banking license, according to an anonymous source familiar with the matter.

The Wall Street Journal reports that the firm, one of the largest in the cryptocurrency industry, met with regulators at the US Office of the Comptroller of the Currency (OCC) in early 2018 to discuss applying for a national banking charter, which preempts state-level financial regulations. Coinbase did not immediately respond to a request for comment.

Acquiring a banking license would expand the line of services that Coinbase could offer its customers and would remove the need for it to find a banking partner willing to work with a firm that offers cryptocurrency trading.

It would also help Coinbase’s sales pitch to the large institutions it hopes to attract to its platforms. The firm has begun to roll out a wide variety of products for institutional investors — including cryptoasset custody — but many institutions feel more comfortable working with custody partners that have conventional banking licenses.

The report also states that cryptocurrency financial services startup ivyKoin met with officials at the Federal Deposit Insurance Corporation (FDIC) in recent weeks, a meeting that ivyKoin President Gary Fan has publicly confirmed.

However, applying for a banking license would also subject these firms to a litany of new regulations, perhaps offsetting the benefits.

“Most fintechs come to us because they have heard of this thing called a national banking charter that gives them pre-emption across state lines,” the publication cites Comptroller of the Currency Joseph Otting as saying at an industry meeting last month. “When they come and they speak to us, and they understand what it really takes to be a bank, they kind of glaze over and often leave skid marks leaving the building.”

As CCN reported, Coinbase is said to have approached the SEC about becoming a registered broker-dealer. The company is also one of only five firms that have received New York’s BitLicense, which is required to facilitate cryptocurrency trading in the highly-regulated state.


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